Online Banking

Serving you is our priority.


 

Click below to speak with a Relationship Manager today!

smiling professional woman, Alyssa Luckett

Alyssa Luckett

A.V.P.

Financial Center Manager

Phone icon (859) 233-8902

Image of Monica Fox-Ramirez

Monica Fox-Ramirez

No Title 

Financial Center Manager

Phone icon (859) 977-4277

Laurie Kelley

Laurie Kelley

No Title 

Financial Center Manager

Phone icon (859) 685-3044

The complimentary services that are provided with our checking accounts include:

  • Online & Mobile Banking
  • Online Bill Pay
  • Person to Person Payments
  • Digital Wallet for your phone with Apple®, Samsung® and Google Pay™
  • Instant Issue Debit Cards
  • e-Statements with online check images
  • EZSwitch concierge service powered by Clickswitch®
  • Access to over 55,000 Surcharge Free Allpoint® ATMs nationwide.

Ancellary services are subject to additional terms and conditions and/or fees including internet provider and data charges.

Kasasa® Cash Free Rewards Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  •  Monthly service charge: $0.00.
  • Rewards: 1.00% APY* (annual percentage yield) on balances up to $15,000, if qualifications** are met. Fees may reduce earnings on the account.

To qualify for Kasasa® Rewards each monthly qualification cycle; have at least 12 debit card purchases that post and settle; be enrolled and receive e-Statements; be enrolled and log into digital banking. Kasasa cycle date details are provided below.

 

Kasasa® Cash Back Free Rewards Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  • Monthly service charge: $0.00.
  • Rewards: 2% cash back on debit card purchases, up to $5.00 per month, if qualifications** are met.

To qualify for Kasasa® Rewards each monthly qualification cycle; have at least 12 debit card purchases that post and settle; be enrolled and receive e-Statements; be enrolled and log into digital banking. Kasasa cycle date details are provided below.

Kasasa® Saver

(only available with a Kasasa® Checking Account)

  • Minimum opening deposit: $1.00.
  • Minimum daily balance to waive monthly service charge: $0.00.
  • Monthly service charge: $0.00.
  • Rewards: 0.50% APY* on balances up to $10,000, if Kasasa® Checking qualifications** are met. Fees may reduce earnings on the account.

To qualify for Kasasa® Rewards each monthly qualification cycle; have at least 12 debit card purchases that post and settle; be enrolled and receive e-Statements; be enrolled and log into digital banking. Kasasa cycle date details are provided below.

Open Important Kasasa Details

APY=Annual Percentage Yield. APY is accurate as of 01/02/2024. Rates may change after account is opened. Minimum to open account is $100 for Kasasa® Cash, $100 for Kasasa® Cash Back and $1 for Kasasa® Saver. Must consent to be enrolled and receive e-Statement notice to open account.

Disclosures:

Kasasa® Cash Account: when qualifications are met each monthly qualification cycle, (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.00%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000 resulting in 1.00%-0.26% APY depending on the balance. The advertised Kasasa® Cash APY is based on compounding interest. If applicable, interest earned in Kasasa® Cash is automatically transferred to Kasasa® Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa® Cash APY. If qualifications are not met on Kasasa® Cash all balances earn 0.01% APY. Fees may reduce earnings on the account.

 

Kasasa® Cash Back Account: When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $5.00 per monthly qualification cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle. Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account the last day of the monthly statement cycle, as applicable.

 

When Kasasa® Saver is added as a companion, Kasasa® Cash or Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa® Cash or Kasasa® Cash Back are met each monthly qualification cycle; (1) balances up to $10,000 in Kasasa® Saver receive an APY of 0.50% ; and (2) balances over $10,000 in Kasasa® Saver earn 0.15% interest rate on that portion of the balance, resulting in 0.50%-0.18% APY depending on the balance. If qualifications are not met on Kasasa® Cash or Kasasa® Cash Back, as applicable, all balances in the Kasasa® Saver earn 0.01% APY.

 

Qualifying Transactions for Kasasa® Cash and Cash Back include:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into digital banking at least once

 

LIMIT ONE ACCOUNT per SSN. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  We have the right to close any of your deposit accounts or terminate any service provided in connection with an account, at any time, without advance notice. Our decision to close an account or terminate a service will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination.

 Interest Checking Account

  • Minimum opening deposit: $100.00.
  • Minimum daily balance to waive monthly service charge: $1,000.00.
  • Monthly service charge: $8.00.
  • Minimum daily balance to earn interest: $1,000.00. (Contact us to obtain the current annual percentage yield. Fees may reduce earnings.)

Health Savings Account (HSA)

(For qualified health related expenses as defined by the Internal Revenue Service.)

  • Minimum opening deposit: $0.00.
  • Minimum daily balance to waive monthly service charge: $250.00.
  • Monthly service charge: $3.00.
  • Minimum daily balance to earn interest: $1,000.00. (Contact us for the current annual percentage yield. Fees may reduce earnings.)

In order to open a Health Savings Account, individuals must be covered under a high-deductible health plan, other qualifications and activity restrictions apply. Please consult with your tax advisor prior to opening an account

Open Additional disclosures about our checking accounts

Disclosure of account terms: The following applies to all interest bearing accounts-We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Sheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e. checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Fees may reduce earnings.

Reg. GG Account Disclosure-(Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful internet gambling.

Kasasa Cycle Date Details

The following dates apply to our Kasasa account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account’s Truth In Savings disclosure for your account’s specific qualification requirements.

To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your specific Kasasa account within the Monthly Qualification Cycle dates stated below.

Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards.

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account’s rewards.

YearMonthly Qualification Cycle BeginMonthly Qualification Cycle EndStatement Cycle BeginStatement Cycle End
October 2023 09/20/2023 10/17/2023 09/21/2023 10/18/2023
November 2023 10/18/2023 11/14/2023 10/19/2023 11/15/2023
December 2023 11/15/2023 12/19/2023 11/16/2023 12/20/2023
January 2024 12/20/2023 01/16/2024 12/21/2023 01/17/2024
February 2024 01/17/2024 02/20/2024 01/18/2024 02/21/2024
March 2024 02/21/2024 03/19/2024 02/22/2024 03/20/2024
April 2024 03/20/2024 04/16/2024 03/21/2024 04/17/2024
May 2024 04/17/2024 05/14/2024 04/18/2024 05/15/2024
June 2024 05/15/2024 06/17/2024 05/16/2024 06/18/2024
July 2024 06/18/2024 07/16/2024 06/19/2024 07/17/2024
August 2024 07/17/2024 08/20/2024 07/18/2024 08/21/2024
September 2024 08/21/2024 09/17/2024 08/22/2024 09/18/2024
October 2024 09/18/2024 10/15/2024 09/19/2024 10/16/2024
November 2024 10/16/2024 11/19/2024 10/17/2024 11/20/2024
December 2024 11/20/2024 12/17/2024 11/21/2024 12/18/2024
January 2025 12/18/2024 01/14/2025 12/19/2024 01/15/2025
February 2025 01/15/2025 02/18/2025 01/16/2025 02/19/2025
March 2025 02/19/2025 03/18/2025 02/20/2025 03/19/2025
April 2025 03/19/2025 04/15/2025 03/20/2025 04/16/2025
May 2025 04/16/2025 05/20/2025 04/17/2025 05/21/2025
June 2025 05/21/2025 06/17/2025 05/22/2025 06/18/2025
July 2025 06/18/2025 07/15/2025 06/19/2025 07/16/2025
August 2025 07/16/2025 08/19/2025 07/17/2025 08/20/2025
September 2025 08/20/2025 09/16/2025 08/21/2025 09/17/2025
October 2025 09/17/2025 10/14/2025 09/18/2025 10/15/2025
November 2025 10/15/2025 11/18/2025 10/16/2025 11/19/2025
December 2025 11/19/2025 12/16/2025 11/20/2025 12/17/2025

Future Monthly Qualification Cycle and Statement Cycle dates for our Kasasa accounts will be available to you via our website or through one of our Service Representatives within one of our branches.